paycio.com
FinTechCrypto payments
Paycio
A crypto wallet and payment gateway that sends funds to a phone number, works offline and settles across chains.
Case study · Debt renegotiation & data protection
Clean name, clean slate.
Data kept safe.
A Brazilian platform that helps people and small businesses renegotiate debt and recover their credit. Specialists and technology work each case together, and a secure, LGPD-compliant dashboard protects every CPF, CNPJ and financial document along the way.
Meu Nome OKBrazilWeb platform + Client dashboard
meunomeok.com
Cases handled
12k+
debt cases managed through the platform
Agreements
700+
creditor agreements closed every month
Discounts
R$2.3M+
in debt reductions negotiated each month
First response
24h
for every new case, with a personal plan
Figures reflect operating data published by Meu Nome OK after the platform launch.
The starting point
The challenge
01
Highly sensitive data in every case
CPF numbers, bank statements and creditor letters had to be collected, stored and shared under strict LGPD rules.
02
Clients felt left in the dark
Negotiations take weeks. Without visibility, anxious clients called and messaged constantly for updates.
03
Manual intake slowed everything
Debts arrived as screenshots and PDFs over WhatsApp and were retyped by hand before work could start.
04
Trust had to come first
In a category full of scams, the website had to prove legitimacy before anyone shared a document.
What we built
Human negotiators,
backed by secure technology
LGPD-compliant data vault
Encrypted document storage, consent records, access logs and retention rules for every piece of personal data.
Client dashboard
Clients follow each negotiation stage, see offers and approve agreements without chasing their consultant.
Structured intake
Guided forms capture amounts, terms, interest and creditor details once, ready for the negotiation team.
Multichannel support
WhatsApp, phone and email tied to the same case record so nobody repeats their story.
How it works
Four steps to a resolved debt
A transparent process with clear communication at each stage.
- 01
Send your debts
Amounts, terms and payment history mapped through secure intake.
- 02
Personal strategy
Debts consolidated into one plan that fits the client's budget.
- 03
Assisted negotiation
Specialists negotiate reductions and new terms with creditors.
- 04
Resolved
Agreement signed, name cleared and the case archived securely.
meunomeok.com
Stack
Next.jsNode.jsPostgreSQLEncrypted Object StorageWhatsApp Business APIAudit LoggingLGPD Consent Management
Results & impact
What changed
after launch
Before
Sensitive documents arrived over WhatsApp, were retyped by hand and clients rang constantly asking for updates.
After
Intake is structured and secure, every record is LGPD-compliant and clients follow their negotiation from a dashboard.
Let's build your next
secure fintech platform.
Tell us what you are building. You will get a clear plan, a fixed estimate and a team that has shipped this kind of product before, usually within 3 hours of the call.
Delivered in this engagement
- Public website and lead funnel
- Secure client dashboard
- LGPD data protection layer
More work
Keep exploring
powerofvolatility.com
FinTechOptions research
Power of Volatility
An Indian options research platform with four volatility strategies, live market data and paper trading.
nextlm.ai
AISales intelligence
NextLM
An AI prospecting agent that turns 35 billion daily intent signals into a ranked list of ready buyers every morning.